:root {
  --ink: #142033;
  --muted: #647184;
  --navy: #0b2f63;
  --blue: #1d4ed8;
  --blue-soft: #eaf1ff;
  --orange: #f97316;
  --orange-deep: #c2410c;
  --orange-soft: #fff2e6;
  --teal: #f97316;
  --gold: #fb923c;
  --copper: #c2410c;
  --ivory: #f8fafc;
  --paper: #fffdf8;
  --line: #d7dce2;
  --soft: #eef3f4;
  --shadow: 0 18px 45px rgba(11, 47, 99, 0.13);
  font-family: "PingFang TC", "Noto Sans TC", "Microsoft JhengHei", sans-serif;
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--ivory);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 5;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  padding: 14px clamp(20px, 4vw, 56px);
  background: rgba(255, 253, 248, 0.94);
  border-bottom: 1px solid rgba(20, 32, 51, 0.08);
  backdrop-filter: blur(12px);
}

.brand {
  display: flex;
  align-items: center;
  gap: 14px;
}

.brand img {
  width: 136px;
  height: auto;
  display: block;
}

.brand strong,
.brand span {
  display: block;
}

.brand strong {
  font-size: 15px;
  letter-spacing: 0;
}

.brand span,
.header-note {
  color: var(--muted);
  font-size: 13px;
}

.hero {
  min-height: 680px;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(420px, 0.95fr);
  gap: clamp(28px, 5vw, 72px);
  align-items: center;
  padding: clamp(56px, 7vw, 96px) clamp(20px, 5vw, 72px);
  background:
    linear-gradient(120deg, rgba(11, 47, 99, 0.97) 0%, rgba(29, 78, 216, 0.86) 55%, rgba(249, 115, 22, 0.9) 100%);
  color: #fff;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--gold);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.12em;
}

.hero h1 {
  margin: 0;
  max-width: 900px;
  font-size: 56px;
  line-height: 1.16;
  letter-spacing: 0;
}

.hero-lead {
  max-width: 760px;
  margin: 28px 0 0;
  color: rgba(255, 255, 255, 0.86);
  font-size: 24px;
  line-height: 1.75;
}

.hero-comparison {
  display: grid;
  gap: 18px;
}

.comparison-panel {
  padding: 28px;
  min-height: 260px;
  background: rgba(255, 255, 255, 0.09);
  border: 1px solid rgba(255, 255, 255, 0.24);
  border-radius: 8px;
  box-shadow: 0 22px 55px rgba(0, 0, 0, 0.18);
}

.comparison-panel.insurance {
  background: rgba(255, 253, 248, 0.96);
  color: var(--ink);
  border-color: rgba(249, 115, 22, 0.62);
}

.panel-label {
  display: inline-block;
  padding: 6px 10px;
  margin-bottom: 18px;
  color: #fff;
  background: rgba(29, 78, 216, 0.92);
  border-radius: 4px;
  font-size: 15px;
  font-weight: 800;
}

.comparison-panel.insurance .panel-label {
  color: #fff;
  background: var(--orange);
}

.comparison-panel strong {
  display: block;
  font-size: 34px;
  line-height: 1.18;
}

.comparison-panel ul {
  margin: 22px 0 0;
  padding-left: 22px;
  font-size: 20px;
  line-height: 1.8;
}

.calculator-section,
.five-points,
.script-section {
  padding: clamp(52px, 7vw, 96px) clamp(20px, 5vw, 72px);
}

.section-heading {
  max-width: 980px;
  margin-bottom: 34px;
}

.section-heading.compact {
  margin-bottom: 26px;
}

.section-heading h2 {
  margin: 0;
  font-size: 46px;
  line-height: 1.2;
  letter-spacing: 0;
}

.section-heading p:not(.eyebrow) {
  max-width: 900px;
  color: var(--muted);
  font-size: 21px;
  line-height: 1.7;
}

.section-heading p.final-statement {
  max-width: 1040px;
  margin-top: 16px;
  color: var(--navy);
  font-size: 28px;
  line-height: 1.5;
  font-weight: 850;
}

.scenario-callout {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 16px;
  align-items: center;
  max-width: 1080px;
  margin-top: 20px;
  padding: 18px 22px;
  background: #fff;
  border: 1px solid rgba(249, 115, 22, 0.42);
  border-left: 6px solid var(--gold);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.scenario-callout strong {
  color: var(--copper);
  font-size: 18px;
  white-space: nowrap;
}

.scenario-callout span {
  color: var(--ink);
  font-size: 20px;
  line-height: 1.6;
  font-weight: 700;
}

.quick-metrics {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  max-width: 1080px;
  margin-top: 18px;
}

.quick-metrics article {
  padding: 20px 22px;
  background: linear-gradient(135deg, #fffdf8 0%, var(--blue-soft) 100%);
  border: 1px solid rgba(29, 78, 216, 0.28);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.quick-metrics article.warning {
  background: linear-gradient(135deg, #fffdf8 0%, var(--orange-soft) 100%);
  border-color: rgba(249, 115, 22, 0.35);
}

.quick-metrics span,
.quick-metrics strong {
  display: block;
}

.quick-metrics span {
  color: var(--muted);
  font-size: 16px;
  font-weight: 900;
}

.quick-metrics strong {
  margin-top: 10px;
  color: var(--blue);
  font-size: 44px;
  line-height: 1;
}

.quick-metrics article.warning strong {
  color: #b94735;
}

.scenario-grid {
  position: relative;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 42px;
  align-items: start;
}

.scenario-grid::before {
  content: "";
  position: absolute;
  top: 4px;
  bottom: 4px;
  left: 50%;
  width: 3px;
  transform: translateX(-50%);
  background: linear-gradient(180deg, rgba(11, 47, 99, 0), rgba(11, 47, 99, 0.4), rgba(249, 115, 22, 0.55), rgba(11, 47, 99, 0));
  border-radius: 99px;
  pointer-events: none;
}

.control-area {
  display: grid;
  gap: 18px;
  padding: 26px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

label span,
label strong {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

label span {
  margin-bottom: 10px;
  color: var(--muted);
  font-size: 16px;
  font-weight: 700;
}

label strong {
  margin-top: 9px;
  color: var(--navy);
  font-size: 24px;
}

.fixed-assumption {
  padding: 16px;
  background: rgba(29, 78, 216, 0.06);
  border: 1px solid rgba(29, 78, 216, 0.2);
  border-radius: 8px;
}

.fixed-assumption span,
.fixed-assumption strong,
.fixed-assumption small {
  display: block;
}

.fixed-assumption span {
  color: var(--muted);
  font-size: 16px;
  font-weight: 800;
}

.fixed-assumption strong {
  margin-top: 8px;
  color: var(--blue);
  font-size: 26px;
}

.fixed-assumption small {
  margin-top: 6px;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.5;
}

input[type="range"] {
  width: 100%;
  accent-color: var(--blue);
}

.metric-area {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  align-items: start;
}

.result-column {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 18px;
  align-content: start;
  padding: 0 18px 18px;
  background: rgba(255, 253, 248, 0.72);
  border: 2px solid rgba(20, 32, 51, 0.18);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.result-column .control-area {
  box-shadow: none;
  background: rgba(255, 253, 248, 0.84);
}

.property-results .control-area {
  background: rgba(234, 241, 255, 0.72);
  border-color: rgba(29, 78, 216, 0.24);
}

.insurance-results .control-area {
  background: rgba(255, 242, 230, 0.82);
  border-color: rgba(249, 115, 22, 0.28);
}

.property-results label span,
.property-results .fixed-assumption span,
.property-results .metric-card span {
  color: #385d8f;
}

.property-results label strong {
  color: var(--blue);
}

.property-results input[type="range"] {
  accent-color: var(--blue);
}

.insurance-results label span,
.insurance-results .metric-card span {
  color: var(--orange-deep);
}

.insurance-results label strong {
  color: var(--orange-deep);
}

.insurance-results input[type="range"] {
  accent-color: var(--orange);
}

.property-results {
  background: linear-gradient(180deg, rgba(29, 78, 216, 0.12) 0%, rgba(234, 241, 255, 0.7) 28%, rgba(255, 253, 248, 0.8) 100%);
  border-color: rgba(29, 78, 216, 0.48);
}

.insurance-results {
  background: linear-gradient(180deg, rgba(249, 115, 22, 0.14) 0%, rgba(255, 242, 230, 0.9) 30%, rgba(255, 253, 248, 0.8) 100%);
  border-color: rgba(249, 115, 22, 0.58);
}

.result-heading {
  margin: 0 -18px;
  padding: 22px 24px 20px;
  border-bottom: 0;
}

.result-heading span,
.result-heading strong {
  display: block;
}

.result-heading span {
  color: rgba(255, 255, 255, 0.78);
  font-size: 14px;
  font-weight: 900;
  letter-spacing: 0.08em;
}

.result-heading strong {
  margin-top: 4px;
  color: #fff;
  font-size: 32px;
  line-height: 1.2;
}

.property-results .result-heading {
  background: linear-gradient(135deg, #0b2f63 0%, #1d4ed8 100%);
}

.insurance-results .result-heading {
  background: linear-gradient(135deg, #c2410c 0%, #f97316 72%, #fb923c 100%);
}

.metric-card {
  min-height: 210px;
  padding: 26px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.metric-card span {
  color: var(--muted);
  font-weight: 800;
  font-size: 17px;
}

.metric-card strong {
  display: block;
  margin-top: 12px;
  color: var(--navy);
  font-size: 60px;
  line-height: 1;
}

.metric-card p {
  color: var(--muted);
  font-size: 18px;
  line-height: 1.65;
}

.property-results .metric-card {
  background: linear-gradient(135deg, #fffdf8 0%, var(--blue-soft) 100%);
  border-color: rgba(29, 78, 216, 0.26);
}

.property-results .metric-card strong {
  color: var(--blue);
}

.insurance-results .metric-card {
  background: linear-gradient(135deg, #fffdf8 0%, var(--orange-soft) 100%);
  border-color: rgba(249, 115, 22, 0.32);
}

.insurance-results .metric-card strong {
  color: var(--orange-deep);
}

.metric-card.highlight {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}

.metric-card.highlight span,
.metric-card.highlight p {
  color: rgba(255, 255, 255, 0.78);
}

.metric-card.highlight strong {
  color: #fff;
}

.metric-card.accent strong {
  color: var(--orange-deep);
}

.metric-card.debt {
  background: linear-gradient(135deg, #fffdf8 0%, var(--blue-soft) 100%);
  border-color: rgba(29, 78, 216, 0.28);
}

.metric-card.debt strong {
  color: var(--blue);
}

.metric-card.negative strong {
  color: #b94735;
}

.metric-card.policy {
  background: linear-gradient(135deg, #fffdf8 0%, #fff2e6 100%);
  border-color: rgba(249, 115, 22, 0.3);
}

.metric-card.policy strong {
  color: var(--orange-deep);
}

.five-points {
  background: #fff;
}

.comparison-cards {
  display: grid;
  gap: 18px;
}

.decision-card {
  display: grid;
  grid-template-columns: minmax(190px, 0.34fr) minmax(0, 1fr);
  min-height: 170px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.decision-question {
  padding: 24px;
  color: #fff;
  background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
}

.decision-question span,
.decision-question strong,
.decision-question p,
.decision-sides span,
.decision-sides p {
  display: block;
}

.decision-question span {
  color: var(--gold);
  font-size: 16px;
  font-weight: 900;
}

.decision-question strong {
  margin-top: 10px;
  font-size: 30px;
  line-height: 1.15;
}

.decision-question p {
  margin: 12px 0 0;
  color: rgba(255, 255, 255, 0.78);
  font-size: 17px;
  line-height: 1.45;
}

.decision-sides {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.decision-sides > div {
  padding: 24px 26px;
}

.decision-sides > div + div {
  border-left: 1px solid var(--line);
}

.decision-sides span {
  font-size: 16px;
  font-weight: 900;
}

.decision-sides p {
  margin: 12px 0 0;
  color: var(--ink);
  font-size: 21px;
  line-height: 1.55;
  font-weight: 720;
}

.property-side {
  background: linear-gradient(135deg, #fffdf8 0%, var(--blue-soft) 100%);
}

.property-side span {
  color: var(--blue);
}

.insurance-side {
  background: linear-gradient(135deg, #fffdf8 0%, var(--orange-soft) 100%);
  border-left: 4px solid rgba(249, 115, 22, 0.5);
}

.insurance-side span {
  color: var(--orange-deep);
}

.comparison-table {
  display: grid;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.table-row {
  display: grid;
  grid-template-columns: 0.8fr 1fr 1fr;
  min-height: 106px;
  border-top: 1px solid var(--line);
}

.table-row:first-child {
  border-top: 0;
}

.table-row > div {
  padding: 22px 24px;
  border-left: 1px solid var(--line);
  font-size: 20px;
  line-height: 1.6;
}

.table-row > div:first-child {
  border-left: 0;
}

.table-head {
  min-height: 64px;
  color: #fff;
  background: var(--navy);
}

.table-head > div {
  font-size: 18px;
  font-weight: 900;
  border-color: rgba(255, 255, 255, 0.16);
}

.table-row b,
.table-row span {
  display: block;
}

.table-row b {
  font-size: 24px;
}

.table-row span {
  margin-top: 4px;
  color: var(--muted);
  font-size: 15px;
}

.table-row > div:nth-child(3) {
  background: rgba(249, 115, 22, 0.07);
  border-left: 4px solid rgba(249, 115, 22, 0.58);
}

.advantage-band {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(480px, 1.05fr);
  gap: 34px;
  align-items: center;
  padding: clamp(56px, 7vw, 104px) clamp(20px, 5vw, 72px);
  color: #fff;
  background: var(--navy);
}

.advantage-copy h2 {
  margin: 0;
  font-size: 48px;
  line-height: 1.22;
}

.advantage-copy p:not(.eyebrow) {
  max-width: 760px;
  color: rgba(255, 255, 255, 0.78);
  font-size: 21px;
  line-height: 1.8;
}

.advantage-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.advantage-list div {
  min-height: 220px;
  padding: 24px;
  background: rgba(255, 255, 255, 0.09);
  border: 1px solid rgba(251, 146, 60, 0.22);
  border-radius: 8px;
}

.advantage-list span {
  display: block;
  color: var(--gold);
  font-size: 16px;
  font-weight: 900;
}

.advantage-list strong {
  display: block;
  margin-top: 18px;
  font-size: 30px;
}

.advantage-list p {
  color: rgba(255, 255, 255, 0.76);
  font-size: 18px;
  line-height: 1.65;
}

.script-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.script-grid article {
  min-height: 230px;
  padding: 26px;
  background: var(--paper);
  border-top: 6px solid var(--gold);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.script-grid span {
  color: var(--copper);
  font-size: 17px;
  font-weight: 900;
}

.script-grid p {
  margin: 20px 0 0;
  font-size: 24px;
  line-height: 1.65;
  font-weight: 750;
}

.compliance-note {
  margin: 0;
  padding: 34px clamp(20px, 5vw, 72px) 50px;
  background: #101820;
  color: rgba(255, 255, 255, 0.78);
}

.compliance-note strong {
  color: #fff;
  font-size: 20px;
}

.compliance-note p {
  max-width: 1160px;
  margin: 12px 0 0;
  font-size: 16px;
  line-height: 1.75;
}

@media (max-width: 980px) {
  .site-header {
    position: static;
    align-items: flex-start;
  }

  .header-note {
    display: none;
  }

  .hero,
  .scenario-grid,
  .quick-metrics,
  .decision-card,
  .advantage-band,
  .script-grid {
    grid-template-columns: 1fr;
  }

  .scenario-grid::before {
    display: none;
  }

  .hero {
    min-height: auto;
  }

  .hero h1 {
    font-size: 44px;
  }

  .comparison-panel strong,
  .section-heading h2,
  .advantage-copy h2 {
    font-size: 38px;
  }

  .metric-card strong {
    font-size: 54px;
  }

  .hero-comparison,
  .advantage-list,
  .metric-area {
    grid-template-columns: 1fr;
  }

  .table-row {
    grid-template-columns: 1fr;
  }

  .table-row > div,
  .table-row > div:nth-child(3) {
    border-left: 0;
    border-top: 1px solid var(--line);
  }

  .table-row > div:first-child {
    border-top: 0;
  }

  .table-head {
    display: none;
  }

  .scenario-callout {
    grid-template-columns: 1fr;
  }

  .decision-sides {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 640px) {
  .brand img {
    width: 112px;
  }

  .hero h1 {
    font-size: 33px;
  }

  .hero-lead,
  .section-heading p:not(.eyebrow),
  .advantage-copy p:not(.eyebrow) {
    font-size: 18px;
  }

  .section-heading p.final-statement {
    font-size: 22px;
  }

  .quick-metrics strong {
    font-size: 38px;
  }

  .decision-sides {
    grid-template-columns: 1fr;
  }

  .decision-sides > div + div,
  .insurance-side {
    border-left: 0;
  }

  .insurance-side {
    border-top: 4px solid rgba(249, 115, 22, 0.5);
  }

  .comparison-panel,
  .control-area,
  .metric-card,
  .decision-question,
  .decision-sides > div,
  .script-grid article {
    padding: 20px;
  }

  .comparison-panel ul,
  .table-row > div {
    font-size: 18px;
  }
}